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$440K · 1 bed Condo Apartment · Unit 408, 540 Cambridge Street South Street, Ottawa, Ontario K1S 5N3 | HomeSearchCanada

$439,900

Unit 408

27 DOM

1227d

Map

DOM 27

$439,900

DOM27days

Unit 408

540 Cambridge Street South Street · Ottawa · Ontario K1S 5N3

MLS® X13715448 · 4502 - West Centre Town · K1S 5N3

12Vacant800-899 ft²Condo Apartment1-car UndergroundNo basement27d$518/ft²$3,682 tax/yrNo basement

27 days on market

About this home

This well located 1 bedroom condo with a large den and 1.5 bathrooms offers comfortable living in the heart of Ottawa. The spacious living area features a cozy fireplace, creating a warm and welcoming atmosphere. The kitchen is renovated, with a large sink, white subway tiles and newer appliances. The recently renovated bathroom adds a fresh, modern touch to the home. Ideally situated near Dow's Lake, Preston Street and the Glebe, you'll have easy access to parks, public transit/highways, the ho…

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Property details

MLS#: X13715448
Status: Buy Now
Property class: Residential Condo & Other
Beds: 1
Baths: 2 full, 0 half
Rooms: 8
Kitchens: 1
Size: 800-899Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: Apartment
Type: Condo Apartment
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Vacant
Washrooms: 4 pc; 2 pc
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry

Condo corp #: 472
Balcony: Terrace
Locker: Owned
Fees include: Building Insurance Included, Water Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Baseboard
Heating fuel: Electric
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Other
Fronting on: —
Cross street: Carling Ave. and Cambridge St. S
Stories: 4
Utilities: —
Laundry: In-Suite Laundry
Interior: Other
Parking features: —

Additional listing data

ListAOR: Ottawa Real Estate Board

Rooms

Room details

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: ROYAL LEPAGE PERFORMANCE REALTY

Source: TRREB/PROPTX · MLS® X13715448

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$440K

Unit 408 · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $439,900✓ $3,682 tax✓ Electric✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,131/mo

incl. closing costs (yr 1)

Annual total

$49,578

year 1

Mortgage only

$1,669/mo

principal + interest

Beyond mortgage

$1,565/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$87,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$307/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~850 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$4,399/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$49/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,273

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)40% $20,026/yr

Property taxes18% $8,955/yr

Utilities5% $2,460/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,399/yr

Condo fees14% $7,037/yr

Closing costs10% $5,100/yr

Mortgage is 40% of your true cost of ownership. The other 60% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$20,026	$1,669/mo
Government & taxes
Property tax	$3,682	$307/mo
Land transfer tax(closing)	$5,273	$439/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,399	$367/mo
Condo fees
Condo / HOA fees	$7,037	$586/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$49,578	$4,131/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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Unit 408

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs